Build credit¹ with the Bright Builder toolkit!

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Get a $50 credit line and make on-time payments
No hard credit check
No minimum score
Safe, secure & trusted by millions
256-bit encryption
Secure two-factor and fingerprint authentication
Rated 4.8# based on 158,700+ reviews on
Payoff debt smarter
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How can you leverage the Bright Builder toolkit to build credit?

1

Get a secured line today. 0% APR.

Make on-time payments every month. Simple.

2

Payments reported to 3 Bureaus.

All your payments are reported to all 3 Bureaus: Equifax, Transunion, Experian.

3

Build Credit > Qualify for a better credit card.

Get a new Secured Credit Card with lower APR.

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Changing lives every day.

See how Bright users reached financial well-being. Watch their stories.

Why build credit with Bright Money?

Get your payments reported to all 3 Bureaus

Rated 5 stars by 1,35,770 users & growing

Simple 5 min set up to get started

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FAQs

What are the minimum requirements to apply for Bright Credit?
Will checking rates affect my credit score?
Is Bright Credit a Revolving line of credit or an Installment loan?
Can I use Bright Credit to pay down credit card debts from multiple issuers?
Can I continue to use my credit cards or does Bright Credit make me close my credit cards once they are paid off?
How is a Bright Credit different from a debt settlement loan?
Is any security deposit required to get Bright Credit?
How can I get approved for Bright Credit?
What can I use Bright Credit for?
Can I pay off or close my account anytime?
Yes
Do I need to pay interest fees?
No
Is there a hard pull on the credit report?
No
Do you report to Equifax and TransUnion?
Yes
Can I spend the loan funds immediately?
Yes
Is this a revolving line of Credit?
Yes
Do I need to provide a security deposit?
Yes
Can I access the funds for the security deposit?
No
Will Bright report both on time and missed payments to the Credit Bureaus?
Yes
Have more questions? Visit FAQs page

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Revolving lines of credit are made by CBW Bank, Member FDIC, and Bright Capital Inc., NMLS (2410428), subject to state residency. Personal loans are made by our referral partners independent of Bright. Deposit accounts are provided by Evolve Bank & Trust or CBW Bank, Members FDIC. Bright is a financial technology company and non-depository lender, not a bank.
2024 Bright Capital Inc.

1. Payment history has the biggest impact on credit score accounting for 40% of how score is calculated per TransUnion (https://www.transunion.com/credit-score). Bright Builder helps you build payment history that may positively improve your credit score. Credit score increase is not guaranteed. Individual results may vary. Late payments, missed payments, or other defaults on your accounts with us or others will have a negative effect on your credit score. Products and services subject to state residency and regulatory requirements. Bright Builder is currently not available in all states.

When you join Bright and start a Premium Membership you will be charged a recurring fee of $8-14 (depending on plan duration). Your Premium Membership will auto-renew until you cancel membership. Cancel anytime. See Membership terms and conditions.The product images shown are for illustration purposes only.

‍# Based on Appstore and Google Play store ratings as on March 2024.